Please note: document screenshots or pictures are not allowed. Formal / legible documentation is required. All pages of every statement are needed. As an example: if it lists page 1 of 7, all 7 pages are needed. All these are copies; we do not need the original. Please scan/send in a secure email, Dropbox or we can set up a time to meet in person. Based on our loan consultation, we will modify this list specific to you.

General documents:

· Copy of your driver’s license· If a purchase, please provide the fully executed purchase contract for the subject property· If you are a permanent resident alien, please provide a front & back copy of your green card.

Income documents:

· Most recent 2 pay stubs <consecutive 30 days> · 2017 & 2016 W2s.· Full 2017 & 2016 personal tax returns <only federal required> - all pages & schedules are required. Please note that taxes must be filed & recorded by IRS. · If self-employed & applicable, full 2017 & 2016 business tax returns including K1s - all pages & schedules are required.· Name & number to verify employment <manager/ HR>. · If in school during the past 2 years, please provide your school diploma or transcripts. This is needed to complete a full 2yr work/ school history.· If you receive social security, please provide the most recent Awards Letter.· If you receive a pension, please provide documentation that it will continue for at least 3 years after closing.

Asset documents:

· Last 60 days of all bank statements. Not a transaction history but full statements as you would receive in the mail. Including: name, account number & all pages of statement. This will be the source of your downpayment & earnest money.· Within each bank statement, please source any non-payroll deposits. We will guide you to what documentation is needed for each.· If applicable, most recent 401K statement <or any other investment / retirement account>. · If you are liquidating investments <IRA / 401K / etc.>, please document the source <60 days / all pages>, liquidation details & updated bank statements once the money is deposited into your account. If you receive a disbursement check, please make a copy of that check before you deposit.· Gift funds: (1) completed gift letter that we will provide, (2) donor wires directly to the closing attorney for closing.· When applicable, cleared/ cancelled earnest money check <image of check after it clears your account>. You can obtain this online by clicking the associated check number.· Once the earnest money clears your account, please provide an updated bank statement <or transaction history> showing the monies leaving & balance after deduction. Date gaps between prior statements are not allowed.Insurance:

· Contact name & number for who you would like to use for your homeowners insurance. o For a single family home or townhome, full coverage / 100% replacement cost. o For a condo, you will need a HO6 policy = 20% of unit value.

If you currently own a home:

· Most recent mortgage statement on all homes owned· If you do not escrow tax & insurance in your mortgage, please provide the most recent tax bill & insurance declaration page that will confirm the premium amounts.· Document confirming the HOA amount. A payment book or letter from the HOA would suffice. If there is not a HOA, please provide a simple letter stating that there is not an HOA for each home owned.· If you are on title but not on the mortgage, please provide the current mortgage 'Note'· If you are selling a home before you purchase, please provide the fully executed contract for the sale of your home.

Additional documents if applicable:

· If applicable, fully executed divorce decree or child support agreement – including the full settlement agreement & final judgment.